How we write our guides
In short: Our guides explain how HSA and FSA funds generally work for therapy, psychiatry, ketamine and TMS, in plain words. They are general information, not tax advice. Your plan administrator decides what is eligible, so confirm with your plan.
Which sources do our guides rely on?
We base our guides on IRS guidance. Each guide lists the documents it relies on in a Sources section at the end.
- IRS Publication 502, Medical and Dental Expenses
- IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans
- IRS alert on nutrition, wellness and general health expenses (IR-2024-65, March 6, 2024)
- IRS FAQs on medical expenses related to nutrition, wellness and general health
How can you tell a guide is current?
Every guide shows the date it was published. When we change what a guide says, it also shows the date of that update.
How do we treat wellness spending and letters of medical necessity?
Eligibility depends on the service, the plan and whether care treats a medical condition. A letter of medical necessity can support a claim, but it does not turn a non-medical expense into a medical one. In 2024 the IRS warned about companies claiming that a doctor's note makes general wellness spending eligible. Eligible does not promote letters of medical necessity for wellness products.
Are the examples real?
Sample receipts, practices and patients in our guides are fictional. Our samples leave out real patient details and any diagnosis.
How can you report a mistake?
If something looks wrong or out of date, tell us through the contact form. We check it against the sources above and update the guide when a change is needed.
What our guides cover
General information about HSA and FSA payments for therapy, psychiatry, ketamine and TMS. For your own situation, check IRS guidance and your plan's rules.